RF&L WEALTH MANAGEMENT, LLC Diversified Active

Name: RF&L WEALTH MANAGEMENT, LLC Q3 2026 13F Filing | 13F Explorer
Creator: RF&L WEALTH MANAGEMENT, LLC
Published: 2026-10-20

Location: Acton, MA

CIK: 0001965915 · Show all filings

Period: Q3 2026 (← Previous)

Filing Date: Oct 20, 2026

Total Value: $149M (100.0% shares, 0.0% debt)

Holdings (51)

New Positions (3)

IVE ISHARES TR 0.9%

Value $1.37M Shares 6,000 Share Price $228.28 Est. Cost/Share $233.54 Unrealized @ Report Date -2.3%

FMDE FIDELITY COVINGTON TRUST 0.2%

Value $294K Shares 7,291 Share Price $40.38 Est. Cost/Share $41.34 Unrealized @ Report Date -2.3%

IVW ISHARES TR 0.1%

Value $205K Shares 1,440 Share Price $142.26 Est. Cost/Share $138.63 Unrealized @ Report Date +2.6%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
IVE	ISHARES TR	6,000	$1.37M	0.9%	$228.28	$233.54	-2.3%	S&P 500 VAL ETF	464287408
FMDE	FIDELITY COVINGTON TRUST	7,291	$294K	0.2%	$40.38	$41.34	-2.3%	ENH MID COR ETF	31609A503
IVW	ISHARES TR	1,440	$205K	0.1%	$142.26	$138.63	+2.6%	S&P 500 GRWT ETF	464287309

Increased Positions (9)

VOO VANGUARD INDEX FDS 4.5%

Value $6.662M (+5.2%) Shares 9,505 (+3.1%) Share Price $700.85 Est. Cost/Share $426.73 Unrealized @ Report Date +64.2%

DISV DIMENSIONAL ETF TRUST 1.0%

Value $1.528M (+12.9%) Shares 35,301 (+4.6%) Share Price $43.29 Est. Cost/Share $27.39 Unrealized @ Report Date +58.0%

BSV VANGUARD BD INDEX FDS 6.6%

Value $9.806M (+1.3%) Shares 128,354 (+3.3%) Share Price $76.40 Est. Cost/Share $76.05 Unrealized @ Report Date +0.5%

GL GLOBE LIFE INC 0.5%

Value $712K (+16.7%) Shares 4,297 (+25.9%) Share Price $165.67 Est. Cost/Share $136.51 Unrealized @ Report Date +21.3%

IWD ISHARES TR 1.6%

Value $2.374M (+3.6%) Shares 9,575 (+1.3%) Share Price $247.93 Est. Cost/Share $160.81 Unrealized @ Report Date +54.2%

BIV VANGUARD BD INDEX FDS 0.2%

Value $295K (+13.9%) Shares 4,045 (+19.9%) Share Price $72.86 Est. Cost/Share $74.62 Unrealized @ Report Date -2.4%

BSVO EA SERIES TRUST 0.8%

Value $1.238M (+1.5%) Shares 44,286 (+6.0%) Share Price $27.96 Est. Cost/Share $21.41 Unrealized @ Report Date +30.6%

VUG VANGUARD INDEX FDS 0.2%

Value $244K (+6.2%) Shares 2,710 (+1.5%) Share Price $90.11 Est. Cost/Share $84.19 Unrealized @ Report Date +7.0%

DFEM DIMENSIONAL ETF TRUST 0.7%

Value $1.11M (-0.5%) Shares 27,937 (+1.8%) Share Price $39.72 Est. Cost/Share $25.68 Unrealized @ Report Date +54.7%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
VOO	VANGUARD INDEX FDS	9,505 (+3.1%)	$6.662M (+5.2%)	4.5%	$700.85	$426.73	+64.2%	S&P 500 ETF SHS	922908363
DISV	DIMENSIONAL ETF TRUST	35,301 (+4.6%)	$1.528M (+12.9%)	1.0%	$43.29	$27.39	+58.0%	INTL SMALL CAP V	25434V781
BSV	VANGUARD BD INDEX FDS	128,354 (+3.3%)	$9.806M (+1.3%)	6.6%	$76.40	$76.05	+0.5%	SHORT TRM BOND	921937827
GL	GLOBE LIFE INC	4,297 (+25.9%)	$712K (+16.7%)	0.5%	$165.67	$136.51	+21.3%	COM	37959E102
IWD	ISHARES TR	9,575 (+1.3%)	$2.374M (+3.6%)	1.6%	$247.93	$160.81	+54.2%	RUS 1000 VAL ETF	464287598
BIV	VANGUARD BD INDEX FDS	4,045 (+19.9%)	$295K (+13.9%)	0.2%	$72.86	$74.62	-2.4%	INTERMED TERM	921937819
BSVO	EA SERIES TRUST	44,286 (+6.0%)	$1.238M (+1.5%)	0.8%	$27.96	$21.41	+30.6%	BRID OMN SMA ETF	02072L532
VUG	VANGUARD INDEX FDS	2,710 (+1.5%)	$244K (+6.2%)	0.2%	$90.11	$84.19	+7.0%	MRNGSTR GRWT ETF	922908736
DFEM	DIMENSIONAL ETF TRUST	27,937 (+1.8%)	$1.11M (-0.5%)	0.7%	$39.72	$25.68	+54.7%	EMERGING MKTS CO	25434V732

Exited Positions (2)

BIL SPDR SERIES TRUST 0.2%

Value $244K Shares 2,665 Share Price $91.64 Est. Cost/Share $91.61 Unrealized @ Report Date +0.0%

TSLA TESLA INC 0.2%

Value $229K Shares 545 Share Price $420.60 * Est. Cost/Share $181.28 Unrealized @ Report Date +95.7%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
BIL	SPDR SERIES TRUST	2,665	$244K	0.2%	$91.64	$91.61	+0.0%	—	78468R663
TSLA	TESLA INC	545	$229K	0.2%	$420.60 *	$181.28	+95.7%	—	88160R101

Decreased Positions (6)

DFAT DIMENSIONAL ETF TRUST 12.8%

Value $18.98M (-6.0%) Shares 285,729 (-1.1%) Share Price $66.44 Est. Cost/Share $43.92 Unrealized @ Report Date +51.3%

IWN ISHARES TR 0.7%

Value $972K (-6.3%) Shares 4,640 (-1.1%) Share Price $209.45 Est. Cost/Share $141.19 Unrealized @ Report Date +48.4%

AAPL APPLE INC 1.0%

Value $1.416M (-4.1%) Shares 4,253 (-16.7%) Share Price $333.05 Est. Cost/Share $151.23 Unrealized @ Report Date +120.2%

DFAX DIMENSIONAL ETF TRUST 1.0%

Value $1.543M (-0.8%) Shares 41,686 (-1.3%) Share Price $37.02 Est. Cost/Share $20.79 Unrealized @ Report Date +78.1%

ABBV ABBVIE INC 1.4%

Value $2.121M (-0.5%) Shares 8,110 (-4.3%) Share Price $261.59 Est. Cost/Share $137.22 Unrealized @ Report Date +90.6%

SPY STATE STR SPDR S&P 500 ETF T 0.3%

Value $417K (-1.5%) Shares 547 (-3.5%) Share Price $762.63 Est. Cost/Share $384.35 Unrealized @ Report Date +98.4%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
DFAT	DIMENSIONAL ETF TRUST	285,729 (-1.1%)	$18.98M (-6.0%)	12.8%	$66.44	$43.92	+51.3%	US TARGETED VLU	25434V609
IWN	ISHARES TR	4,640 (-1.1%)	$972K (-6.3%)	0.7%	$209.45	$141.19	+48.4%	RUS 2000 VAL ETF	464287630
AAPL	APPLE INC	4,253 (-16.7%)	$1.416M (-4.1%)	1.0%	$333.05	$151.23	+120.2%	COM	037833100
DFAX	DIMENSIONAL ETF TRUST	41,686 (-1.3%)	$1.543M (-0.8%)	1.0%	$37.02	$20.79	+78.1%	WORLD EX US CORE	25434V880
ABBV	ABBVIE INC	8,110 (-4.3%)	$2.121M (-0.5%)	1.4%	$261.59	$137.22	+90.6%	COM	00287Y109
SPY	STATE STR SPDR S&P 500 ETF T	547 (-3.5%)	$417K (-1.5%)	0.3%	$762.63	$384.35	+98.4%	TR UNIT	78462F103

Unchanged Positions (33)

DFAS DIMENSIONAL ETF TRUST 4.8%

Value $7.081M Shares 91,461 Share Price $77.42 Est. Cost/Share $52.00 Unrealized @ Report Date +48.9%

NVDA NVIDIA CORPORATION 1.7%

Value $2.493M Shares 10,917 Share Price $228.38 Est. Cost/Share $109.74 Unrealized @ Report Date +108.1%

DFIV DIMENSIONAL ETF TRUST 4.8%

Value $7.111M Shares 127,306 Share Price $55.86 Est. Cost/Share $30.98 Unrealized @ Report Date +80.3%

VBR VANGUARD INDEX FDS 3.3%

Value $4.896M Shares 21,191 Share Price $231.03 Est. Cost/Share $161.97 Unrealized @ Report Date +42.6%

MSFT MICROSOFT CORP 0.4%

Value $559K Shares 1,089 Share Price $513.03 Est. Cost/Share $234.05 Unrealized @ Report Date +119.1%

LLY ELI LILLY & CO 2.5%

Value $3.784M Shares 3,270 Share Price $1157.08 Est. Cost/Share $345.79 Unrealized @ Report Date +234.6%

FNDC SCHWAB STRATEGIC TR 3.5%

Value $5.22M Shares 104,747 Share Price $49.83 Est. Cost/Share $30.57 Unrealized @ Report Date +63.0%

IJR ISHARES TR 0.7%

Value $986K Shares 7,245 Share Price $136.04 Est. Cost/Share $100.78 Unrealized @ Report Date +35.0%

IWM ISHARES TR 0.7%

Value $1.084M Shares 3,901 Share Price $277.88 Est. Cost/Share $177.85 Unrealized @ Report Date +56.3%

DFUS DIMENSIONAL ETF TRUST 8.1%

Value $12.02M Shares 144,723 Share Price $83.03 Est. Cost/Share $41.91 Unrealized @ Report Date +98.1%

ABT ABBOTT LABORATORIES 0.6%

Value $938K Shares 9,494 Share Price $98.83 Est. Cost/Share $97.62 Unrealized @ Report Date +1.2%

IEMG ISHARES INC 2.8%

Value $4.202M Shares 51,774 Share Price $81.16 Est. Cost/Share $48.48 Unrealized @ Report Date +67.4%

CVX CHEVRON CORPORATION 0.2%

Value $360K Shares 1,765 Share Price $204.21 Est. Cost/Share $151.70 Unrealized @ Report Date +34.6%

SO SOUTHERN CO 0.3%

Value $402K Shares 4,852 Share Price $82.88 Est. Cost/Share $90.89 Unrealized @ Report Date -8.8%

ITOT ISHARES TR 3.4%

Value $4.991M Shares 30,014 Share Price $166.28 Est. Cost/Share $105.43 Unrealized @ Report Date +57.7%

VTI VANGUARD INDEX FDS 3.6%

Value $5.397M Shares 14,422 Share Price $374.25 Est. Cost/Share $192.72 Unrealized @ Report Date +94.2%

IDEV ISHARES TR 1.9%

Value $2.805M Shares 31,352 Share Price $89.48 Est. Cost/Share $59.91 Unrealized @ Report Date +49.4%

DFAC DIMENSIONAL ETF TRUST 8.4%

Value $12.57M Shares 282,751 Share Price $44.45 Est. Cost/Share $24.37 Unrealized @ Report Date +82.4%

COST COSTCO WHOLESALE CORPORATION 0.5%

Value $787K Shares 865 Share Price $910.34 Est. Cost/Share $721.62 Unrealized @ Report Date +26.2%

AMZN AMAZON COM INC 0.3%

Value $458K Shares 1,840 Share Price $249.15 Est. Cost/Share $98.71 Unrealized @ Report Date +152.4%

FNDF SCHWAB STRATEGIC TR 1.5%

Value $2.247M Shares 41,805 Share Price $53.75 Est. Cost/Share $28.08 Unrealized @ Report Date +91.4%

SCZ ISHARES TR 0.5%

Value $781K Shares 9,250 Share Price $84.42 Est. Cost/Share $53.78 Unrealized @ Report Date +57.0%

MGK VANGUARD WORLD FD 0.3%

Value $378K Shares 4,075 Share Price $92.65 Est. Cost/Share $77.62 Unrealized @ Report Date +19.4%

DFUV DIMENSIONAL ETF TRUST 7.3%

Value $10.88M Shares 197,810 Share Price $55.00 Est. Cost/Share $33.23 Unrealized @ Report Date +65.5%

GOOGL ALPHABET INC 0.2%

Value $350K Shares 1,018 Share Price $344.17 Est. Cost/Share $141.98 Unrealized @ Report Date +142.3%

VWO VANGUARD INTL EQUITY INDEX F 0.7%

Value $1.113M Shares 18,765 Share Price $59.31 Est. Cost/Share $38.47 Unrealized @ Report Date +54.2%

SCHX SCHWAB STRATEGIC TR 0.4%

Value $600K Shares 20,001 Share Price $30.00 Est. Cost/Share $20.83 Unrealized @ Report Date +44.0%

VTV VANGUARD INDEX FDS 0.7%

Value $1.051M Shares 4,863 Share Price $216.08 Est. Cost/Share $141.56 Unrealized @ Report Date +52.6%

OHI OMEGA HEALTHCARE INVS INC 0.2%

Value $279K Shares 6,024 Share Price $46.31 Est. Cost/Share $29.38 Unrealized @ Report Date —

JPM JPMORGAN CHASE & CO 0.2%

Value $312K Shares 942 Share Price $330.98 Est. Cost/Share $117.65 Unrealized @ Report Date +181.2%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.4%

Value $554K Shares 1,112 Share Price $497.95 Est. Cost/Share $324.70 Unrealized @ Report Date +53.4%

VEU VANGUARD INTL EQUITY INDEX F 0.1%

Value $207K Shares 2,500 Share Price $82.97 Est. Cost/Share $81.73 Unrealized @ Report Date +1.5%

SPDW SPDR INDEX SHS FDS 0.4%

Value $629K Shares 12,533 Share Price $50.21 Est. Cost/Share $28.70 Unrealized @ Report Date +74.9%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
DFAS	DIMENSIONAL ETF TRUST	91,461	$7.081M	4.8%	$77.42	$52.00	+48.9%	US SMALL CAP ETF	25434V500
NVDA	NVIDIA CORPORATION	10,917	$2.493M	1.7%	$228.38	$109.74	+108.1%	COM	67066G104
DFIV	DIMENSIONAL ETF TRUST	127,306	$7.111M	4.8%	$55.86	$30.98	+80.3%	INTERNATNAL VAL	25434V807
VBR	VANGUARD INDEX FDS	21,191	$4.896M	3.3%	$231.03	$161.97	+42.6%	MRNGSTR SML CP V	922908611
MSFT	MICROSOFT CORP	1,089	$559K	0.4%	$513.03	$234.05	+119.1%	COM	594918104
LLY	ELI LILLY & CO	3,270	$3.784M	2.5%	$1157.08	$345.79	+234.6%	COM	532457108
FNDC	SCHWAB STRATEGIC TR	104,747	$5.22M	3.5%	$49.83	$30.57	+63.0%	FUNDAMENTAL INTL	808524748
IJR	ISHARES TR	7,245	$986K	0.7%	$136.04	$100.78	+35.0%	CORE S&P SCP ETF	464287804
IWM	ISHARES TR	3,901	$1.084M	0.7%	$277.88	$177.85	+56.3%	RUSSELL 2000 ETF	464287655
DFUS	DIMENSIONAL ETF TRUST	144,723	$12.02M	8.1%	$83.03	$41.91	+98.1%	US EQUI MARK ETF	25434V401
ABT	ABBOTT LABORATORIES	9,494	$938K	0.6%	$98.83	$97.62	+1.2%	COM	002824100
IEMG	ISHARES INC	51,774	$4.202M	2.8%	$81.16	$48.48	+67.4%	CORE MSCI EMKT	46434G103
CVX	CHEVRON CORPORATION	1,765	$360K	0.2%	$204.21	$151.70	+34.6%	COM	166764100
SO	SOUTHERN CO	4,852	$402K	0.3%	$82.88	$90.89	-8.8%	COM	842587107
ITOT	ISHARES TR	30,014	$4.991M	3.4%	$166.28	$105.43	+57.7%	CORE S&P TTL STK	464287150
VTI	VANGUARD INDEX FDS	14,422	$5.397M	3.6%	$374.25	$192.72	+94.2%	MRNGSTR TTL STK	922908769
IDEV	ISHARES TR	31,352	$2.805M	1.9%	$89.48	$59.91	+49.4%	CORE MSCI INTL	46435G326
DFAC	DIMENSIONAL ETF TRUST	282,751	$12.57M	8.4%	$44.45	$24.37	+82.4%	US COR EQU 2 ETF	25434V708
COST	COSTCO WHOLESALE CORPORATION	865	$787K	0.5%	$910.34	$721.62	+26.2%	COM	22160K105
AMZN	AMAZON COM INC	1,840	$458K	0.3%	$249.15	$98.71	+152.4%	COM	023135106
FNDF	SCHWAB STRATEGIC TR	41,805	$2.247M	1.5%	$53.75	$28.08	+91.4%	FUNDAMENTAL INTL	808524755
SCZ	ISHARES TR	9,250	$781K	0.5%	$84.42	$53.78	+57.0%	EAFE SML CP ETF	464288273
MGK	VANGUARD WORLD FD	4,075	$378K	0.3%	$92.65	$77.62	+19.4%	MRNGSTR MEGA CAP	921910816
DFUV	DIMENSIONAL ETF TRUST	197,810	$10.88M	7.3%	$55.00	$33.23	+65.5%	US MKTWIDE VALUE	25434V724
GOOGL	ALPHABET INC	1,018	$350K	0.2%	$344.17	$141.98	+142.3%	CAP STK CL A	02079K305
VWO	VANGUARD INTL EQUITY INDEX F	18,765	$1.113M	0.7%	$59.31	$38.47	+54.2%	FTSE EMR MKT ETF	922042858
SCHX	SCHWAB STRATEGIC TR	20,001	$600K	0.4%	$30.00	$20.83	+44.0%	US LRG CAP ETF	808524201
VTV	VANGUARD INDEX FDS	4,863	$1.051M	0.7%	$216.08	$141.56	+52.6%	MRNGSTR VAL ETF	922908744
OHI	OMEGA HEALTHCARE INVS INC	6,024	$279K	0.2%	$46.31	$29.38	—	COM	681936100
JPM	JPMORGAN CHASE & CO	942	$312K	0.2%	$330.98	$117.65	+181.2%	COM	46625H100
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,112	$554K	0.4%	$497.95	$324.70	+53.4%	CL B NEW	084670702
VEU	VANGUARD INTL EQUITY INDEX F	2,500	$207K	0.1%	$82.97	$81.73	+1.5%	ALLWRLD EX US	922042775
SPDW	SPDR INDEX SHS FDS	12,533	$629K	0.4%	$50.21	$28.70	+74.9%	ST STR PO EX ETF	78463X889